The short and nasty answer is; probably!
Florida is a RECOURSE State; meaning that they can seek a DEFICIENCY JUDGEMENT against homeowners who default.
We haven't seen too much of D.J. yet;
it can vary from State to State,
The time elements for when they can file can vary;
The Federal Government is leaving it up to the States, so far.
One of the biggest questions may be;
Does the defaulter have a bunch of hidden assets, and can the Bank disclose them?
Good luck and may God bless